Get clear insights into Klarna’s pricing with final transaction rates, detailed fee breakdowns, and the Price Plans API for accurate cost management and reconciliation.
When a transaction is confirmed, Klarna issues rate details specific to the transaction in what is referred to as a "promise". These rate details appear in the confirm_payment request API response and are final. The application of these fees depends on the number of captures and the captured amount, as both variable and fixed fees are applied per capture.
It is important not to share the rate provided with Partners as a final amount since it is subject to adjustments based on the actual captured amount and quantity, and it reflects your buy_rates as an Acquiring partner.
Should retrieval of these rates be necessary, you can access them using the read price_plan request. To view the broader rates across a Partners price plan, you should use the GET a price plan request. This ensures accurate and up-to-date rate application in all transactions and calculations. The rates provided in the response to the Authorize a payment transaction are only intended for estimation purposes, and should not be stored or used for forecasting or reconciliation.
Effective rates
These are linked to a specific price plan identified by a price_plan_id. Rate details for a price plan can be accessed through the Partner management API using this ID. Effective rates consider factors like the issuing country, MCC, sales channel (physical or online store), and payment program. The fixed and variable costs shared on confirmation are applied to a transaction on a per capture basis.
Microtransaction cap
The microtransaction cap is a limit applied to ensure that the total fee, including both the variable and fixed fee components, does not exceed a predefined percentage of the transaction value. This feature is designed to protect merchant margins on lower-value transactions by capping the maximum fee that can be charged per transaction. The specific cap may vary by country and/or merchant category code (MCC) as outlined in your agreement.
Discounts
These are adjustments applied to a given transaction based on certain criteria or promotions. Discounts reduce transaction fees based on certain criteria or promotions. The effective rate communicated accounts for any applied discounts.
Rate communication
These occur within the response to the Authorize a payment transaction and (once authorized) the read payment request, rate details are disclosed. The payment_pricing object shows the details of the costs associated with transaction, with the detailed rate amounts calculated based on these details:
| Fee | Definition |
applicable_rate.fixed_fee | Fixed fee charged per capture. Fixed fee includes fee amount with a precision of 2 minor units and currency of the fee. |
applicable_rate.variable_fee | Percentage fee charged per capture with the precision of 2.E.g: 1.7% is transmitted as 170 |
applied_fee_components | List of applied fee components. It includes a fixed fee amount or incentive applied with a precision of 2 minor units and currency of the component applied. It also includes a percentage fee charged or incentive applied per capture. It can be of following type
|
evaluation_parameters | Response includes a list of parameters and their values that were used to determine the applicable rate. The evaluation parameters include a price_plan_id, the payment_program_id, customer country, partner country,, merchant_category_code, pricing_payment_category and timestamp of evaluation. |
evaluation_parameters.price_plan_id | It is an id of the price-plan used to evaluate the rate for the transaction. This id can be used to read the broader rates using Price Plan APIs |
evaluation_parameters.payment_program_id | Payment_program_id refers to the payment program used for this transaction. |
evaluation_parameters.customer_country | Registered country of the customer doing the transaction. |
evaluation_parameters.partner_country< | Registered country of the partner doing the transaction. |
evaluation_parameters.pricing_payment_category | Pricing payment category for the transaction. |
evaluation_parameters.evaluated_at | The time at which the rate for the transaction was evaluated. |
Example:
For a captured transaction completed in USD, with a fixed fee of $1.04 and a variable rate of 1.39%, the below response would be returned. In addition, there is a transaction fee of $1.00 and a variable rate of 1.20%. There is also a cross border fee of $0.05 and a variable rate of 0.29%. There are no sell rate incentives applied on the fee. There is also a buy rate incentive applied of -$0.01 and a variable rate of -0.10% This rate should be considered the “applied rate” and is adjusted according to incentives or caps applied.
"payment_pricing": {
"applicable_rate": {
"fixed_fee": {
"amount": 104,
"currency": "USD"
},
"variable_fee": {
"percentage": 139
},
"unit": "CAPTURE"Each payment program is associated with a unique payment_program_id, which should be the primary identifier used by partners to reference and reconcile programs. Program names are provided as descriptive elements but may vary over time as Klarna expands or updates offerings. This makes program IDs the only stable reference for any program-related processing.
The Payment Programs API will not be available until a later release.
Retrieving program rate information
For rate details associated with a specific program, partners should use the Price Plans API. This API provides a way to read the price plan. It provides rates based on mcc, payment_program_id, country, currency, etc. Partners can query using 1 or more filter parameters to query required rate details.
Confirming program rates:
- Query the Price Plans API with the
price_plan_idandpayment_program_idto receive the applicable fixed and variable rates for each program. - Rates retrieved via the Price Plans API should be considered dynamic and should not be stored on your end, as they may vary.